What Are Singapore’s Property Cooling Measures. What Could Come Next?
Singapore’s property market remains resilient, but new cooling measures could soon emerge. Beyond stricter TDSR stress tests and longer SSD periods, policymakers may target ABSD loopholes like spousal decoupling, impose taxes on vacant units, or tighten transparency rules for trusts and foreign buyers to ensure long-term housing sustainability.
What Is HDB Minimum Occupation Period (MOP) and Why It Matters (2025)
Yes, you can rent out your HDB flat in Singapore, but only under strict conditions. Owners must meet the Minimum Occupation Period (MOP), apply for HDB approval, and pay higher property taxes. While subletting provides steady rental income, rules, costs, and long-term goals must be weighed carefully before deciding.
Can I Rent Out My HDB? A Complete Guide for 2025
Yes, you can rent out your HDB flat in Singapore, but only under strict conditions. Owners must meet the Minimum Occupation Period (MOP), apply for HDB approval, and pay higher property taxes. While subletting provides steady rental income, rules, costs, and long-term goals must be weighed carefully before deciding.
SORA vs Fixed-Rate Home Loans in Singapore (Oct 2025): Which Is Better?
In October 2025, Singapore borrowers face a choice between SORA-pegged floating loans (EIR ~1.5%) and a 1.50% fixed package with free conversion after 12 months. With SORA and Fixed rates on par now and the Fed easing cautiously, fixed loans are slightly better as it offers certainty and embedded flexibility, making them the safer choice for most homeowners.
What to Look Out for When Refinancing Your Home Loan in Singapore
Refinancing a home loan in Singapore can save thousands, but it’s not just about chasing lower rates. Borrowers must check TDSR and MSR eligibility, watch for lock-in penalties, subsidy clawbacks, and prepayment costs tied to rate review dates. Aligning refinancing with future plans, such as upgrading or selling, ensures savings outweigh hidden fees and risks.
Should You Clear Off Your Singapore Home Loan? A Complete Guide
Should you clear off your Singapore home loan early? The decision depends on your finances, values, and goals. Paying with CPF incurs accrued interest that reduces future cash proceeds, while using cash carries opportunity costs. HDB owners face liquidity limits, while condo owners can access equity term loans. Balancing debt freedom with financial flexibility is key.
Do I Need IPA Before Buying a Property in Singapore? Complete Guide (2025)
Before buying a property in Singapore, securing an In-Principle Approval (IPA) is essential. An IPA confirms your loan eligibility, prevents costly mistakes, and strengthens your position with sellers. Whether you are upgrading from HDB or investing in a condo, IPA ensures financial clarity and compliance with TDSR and MSR rules